Guides
References for ACH and EFT operators
Operator-direct references for the people who actually originate payment files. Rule changes, format basics, common rejection causes — plain sentences, no marketing puff. Linked from the bank pages where the underlying tool lives.
US ACH · Reference
NACHA 2026 rule changes for ACH originators
A dated reference to the four Nacha Risk Management rule changes taking effect across 2026 — the PAYROLL Company Entry Description, the June 22 fraud-monitoring deadline, and the September funds-availability rule. What each one requires and whether it changes your file.
Canadian EFT · Format explainer
What is the CPA 005 EFT file format?
CPA 005 — also called the 1464-byte format — is the standard Canadian banks accept for batch direct deposit and pre-authorized debit. What it is, who governs it, how it differs from the 80-byte layout, and why files get rejected.
Canadian EFT · Problem
How to create an EFT file without an ERP
Five real options for Canadian SMBs sending batch payroll or vendor EFT — bank portal, payroll service, accounting platform, desktop software, hand-built spreadsheet — and where each one breaks down. Plus where a browser-based generator fits.
US ACH · Problem
How to run payroll direct deposit without a payroll provider
Direct deposit is an ACH PPD credit. The four realistic paths for US small employers — full-service provider, accounting-software payroll, the bank portal, or generating the NACHA file yourself — and what each one actually costs.
Looking for the generators?
The guides cover the rules and reference material. The actual file-generation tools live on the bank pages.